rum and black
Registered User
- Messages
- 51
Hi. We are a couple early to mid sixties . Our policy is due for renewal on 1st February. The policy is Laya Simplicity coming in at 3070.92 for 2 adults.
Whilst I am aware the policy is pretty good it is gone up quite a bit over the last 2 years.
Hospitals I would be interested in are in Dublin. Also may need cover for hip or knee replacement going forward.
Any useful tips for cheaper policies which are more or less comparable would be appreciated.
PSThank You Riomhaire and Banchang. I will ring the companies and also compare plans mentioned. Thanks again for your help.
Hi rum and black,
The following plans from LAYA come in cheaper than Simplicity and all cover orthopaedics. No excess applies to 5 orthopaedic procedures (hip and knee replacement) in 12 private hospitals
1. Control 300 Create at €1251
2 Simply Connect at €1301
3. Connect Simplicity at € 1360
4. Simply Connect Plus at € 1406
Control 300 Connect and Connect Simplicity cover a private room in a private hospital while the other two cover up to a semi-private room in private hospitals.
The inpatient excess in a private hospital is €300 per claim on the Control 300 Create plan. The excess is €150 on the three other plans.
There is a €1 excess on everyday expenses on all these plans.
For the sake of taking a small increase in excesses these plans offer good value compared to €1535 for Simplicity.
I hope this is helpful
any help on laya simplicity 2 people 70 yrs wondering about connect simplicity . 800 spent about on consultants and physio. higher excess
a worry . like private room. thanks
tHi Molly 123,
Currently Simplicity is costing €1535 per annum as opposed to €1415 for Connect Simplicity. There is a price increase due on 01/11/21 for Connect Simplicity bringing it to €1465 for the year.
The major difference between these two policies is the Annual out-patient excess. €1 in the case of Connect Simplicity as opposed to €200 family excess for Simplicity. Effectively this means that you would have to have a spend of €400 on everyday expenses before you could claim back anything on the Simplicity plan whereas you can claim back 50% of all everyday expenses over €1 with Connect Simplicity
All benefits are subject to a €1,000 out-patient cap per member unless specified otherwise. Subject to minimum benefits. Please note that should you not reach your €1,000 out-patient cap the remainder is transferrable to other members on the policy who are on the Connect Simplicity product.
If your renewal is before the 01/11/21 the annual saving of two people is €240 on the premium alone. Add to that the saving of €200 on the Family excess which means that for taking on a small increase of €50 on the excess for inpatient claims the saving for two people is about €440.
Connect Simplicity is definitely worth consideration is these circumstances.
I hope this is helpful.
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